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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $526,624 | $160,028+229.1% | $147,080+258.1% | $145,884+261.0% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 20.44% | 98.60%-78.2pp | 420.17%-399.7pp | 551.85%-531.4pp |
| Employer contribution / active EE | $10,089 | $5,286+90.9% | $4,933+104.5% | $4,662+116.4% |
| Participant deferral / active EE | $10,726 | $8,422+27.4% | $8,066+33.0% | $6,690+60.3% |
| Admin fee / account holder | $54,341 | $15,030+261.5% | $12,989+318.4% | $13,392+305.8% |